# BANK OF SALEM
SALEM, AR · FDIC certificate 11243 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $261.5M | |
| Deposits | $227.6M | |
| Loans and leases | $200.3M | |
| Total equity | $32.4M | |
| Loans / deposits | 86.21% (p73 of band) | 73.59% |
| Liquid assets / assets | 19.86% (p21 of band) | |
| Uninsured deposits / deposits | 15.16% (p32 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.43% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -1.09% (p76 of band) | -6.57% |
| AOCI / equity | 0.09% (p89 of band) | |
| ROA (annualized) | 2.03% (p86 of band) | 1.17% |
| Net interest margin | 4.87% (p87 of band) | 3.93% |
| Efficiency ratio | 51.56% (p16 of band) | |
| Noncurrent loans | 1.79% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.19% (p92 of band) | |
| Reserve coverage of noncurrent | 111.67% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 41.08% (p74 of band) | |
| Auto loans | $8.0M (3.97% of loans; DQ 2.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 3 | loans exceed deposits |  |
| 2011-09 | 2 |  | loans exceed deposits |
| 2011-12 | 1 |  | liquid assets <10% |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2012-12 | 1 |  | liquid assets <10% |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | liquid assets <10% |  |
| 2015-12 | 0 |  | liquid assets <10% |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, charge-offs p90 |  |
| 2022-09 | 0 |  | capital falling, charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 2 | capital falling, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-24 [Family Owned Business | Security Bank - Hot Springs Sentinel Record](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeVpGbHplOWZTa0l2XzB3NEEwZnhvX0FxOTEteml0VXgtbEV3R1gybGRwSmxKYXpYcElLWDktTGxtSWFDcUpnRXBackFwNVBBWlJSVHVUcVl1OS0xclo3dnpwM1BCVXZwMW41WFJqTVZkVFA3WGFqY3JLYU9RSEhucQ?oc=5) · Hot Springs Sentinel Record
- 2026-03-10 [Community vigil, services planned for Salem teen - White River Now](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYzVQQjVkdjQ0NUxEMEFNZzBwNFRMNmZCZGlRQnRKbE5XTG5LSFE3Q0NzemRmRmtqcjUyLUZvZTVOa3VCRmJ3ejJKcV9TNE9zTW1RSWo2dXg4TEVRbS12VlFGWmhBRXkxSFljajZpVzNzOWd3MmI5ekkxYmhRbDB3NV8xUDhOQ3F6SE4tUk11RmhEX1k?oc=5) · White River Now
- 2025-09-29 [Arkansas Bank Deposits Jump 4.7%, Outpacing U.S. Growth - Arkansas Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUk10a2o5ZXRrRzBnVDhQQkpEUnlaaHB3Sk5DNGZnRWFIT1JjUEdzMWpsamNaSTVKMVBKRHFTai1EUUw5QVF3VFZhTVZSNzhCUzh0VVRmdGc5ZFp1NHFPQlFnTUxpRDNrN21iRTdsM2N5Y2hmUzJ6VTlsakp3b2dtYmc0NkZFTHY0aTd1VFNmOWx5VmhuN3pDM3JB?oc=5) · Arkansas Business
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2024-06-10 [Consolidation: 2 Banks Form $246M Lender - Arkansas Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxPalZqSmxLRk1iQkRqb0EteHo4cjlfTS1hd2FmdUV3cTNQc0VSWXNJU2h0LWdHMUtGTlRYOTg3WnI0enJXSUtLX1RfdmRKam1vZE9JX3BzNTlob29XMHBSM2RiWVdoa0ZVdS02T293a3BGV0lNMWZwMDROLW1EZ2M2dVJoMzRXX2s?oc=5) · Arkansas Business
- 2026-07-13 [Olen Ray Emery Obituary (2026) - Salem, AR - Barker Funeral Home - Salem - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1QRWJzRzczY0ZEUl9yQlA4UzF4NERpdGQyR2FPQUg3bEdtYmZxSGFLeTE0SEpZNEtHUXJjb1o4QkdCbVVLTnRjbXQ2NVIzVFZVOHdEMjZkVEl4UnRMblhIR0Z6VExuQmYyUjNIaFFHWi1wLUFKWFhtbUh5TkZUUQ?oc=5) · legacy.com
- 2026-03-10 [James Paul Crowe Obituary (2026) - Salem, AR - Barker Funeral Home - Salem - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE0xQlU3dmg0cGdDaVkxTEhyZmJ1NVJMb3Yxb2djZlZrcHUyUmVCS1NzTlhNYVRBNlNBNzJ5NW9KNVBHaW5NOEhLVkVkU2ZDSDJzaklldmpUNnBNTWQ2YWtrU3BlMGx1RlFWcUR4M2lIQ0xWSjBJQWdQX2ZiU2cwQVU?oc=5) · legacy.com
- 2026-03-12 [James Crowe Obituary (2007 - 2026) - Salem, AR - Areawide News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxONlBUNG9CNnRpdHY3RWhhYW40V0FIeGk5Zm9JWXRsNUNCTDExSF9YNXJtS0xJR2hjLXItbGRBbWx6bEVuYkdEODBUakpMc2NKN2szTVFjLTZkdEtwWDk1VnlzVmJlLTRIaUhudmlLSUdlS29PRkxNekVlUHdTZUN0N2NCV3NVTlpXUlg0ZVNRWFc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11243 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "11243", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide